10304 Spruce Grove Ave
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10304 Spruce Grove Ave

D

Scripps Ranch, CA 92131

$2,395,000
NEW — 1d on market

Soft Appraisal Value: $2,334,600 · 2.6% above estimate

Beds

5

Baths

3

Sqft

3,133

Year Built

1987

Days on Market

1

Property Type

Single Family

HOA/mo

$185

MLS ID

PTP2602808

This property is in Scripps Ranch (92131). View neighborhood stats →

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About This Property

Tucked into a coveted Scripps Ranch corner lot with no neighbors on one side or directly behind, this fully renovated retreat opens to a private nature trail and protected open space—a rare slice of quiet just steps from your door. A grand foyer with iron-railing staircase sets the tone, opening to soaring vaulted wood-beam ceilings, wide-plank engineered hardwood, and a stone fireplace crowned with a striking live-edge wood surround. The chef's kitchen is pure showstopper: dramatic black quartz with bold white veining, crisp white shaker cabinetry, a glinting gold pot filler, an arched stone range hood, and a professional-grade Forno range made for slow Sunday cooking. The adjoining family room invites lingering with a second fireplace, custom white oak built-ins, shiplap accents, and sliders that pull the outdoors in. Upstairs, the primary suite is its own little hideaway—vaulted ceilings, a third fireplace, and a spa-inspired bath layered in warm oak, honed stone, matte black, globe sconces, a freestanding soaking tub, and a fluted-tile walk-in shower. A deep-blue glossy tile hall bath with walnut vanity and brass pulls adds a jewel-box moment, while a checkered marble laundry room with gold faucet brings charm to the everyday. A main-level bedroom doubles as study or guest retreat. Outside, mature trees, towering palms, and a pergola-shaded patio create a botanical escape. Owned Tesla solar with Powerwall and a three-car garage with epoxy round it all out.

Mortgage Calculator

Est. Monthly Payment

$15,389

Principal & Interest$12,110
Property Tax$2,395
Insurance$699
HOA$185
%($479,000)
%

Location

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Investment Score

0D
Est. Monthly Rent
$6,002
Monthly Cashflow

Rent − PITIA

$-9,387
Full Cashflow

Incl. vacancy, PM, maint, capex

$-12,764

Mortgage (P+I)
$12,110
Cap Rate
-0.33%
Cash-on-Cash
-31.98%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.39
Break-even Rent
$22,578

NOI (Annual)
$-7,840
Price-to-Rent

Lower = better for investors

33.3

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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